blankit doesn’t guess the right renewal number with a model. It walks the same Canadian actuarial sequence a credentialled consultant would, on every benefit line — and shows each step in the report you send back to the carrier.
Three moves, roughly ten minutes. The engine does the actuarial work in the middle — and Rider, the AI guide built into blankit, keeps the rest of the file moving.
01
Upload
Any carrier format — Sun Life, Manulife, Canada Life, Desjardins, Empire Life, Blue Cross, GreenShield, RBC, Equitable, Co-operators, regional carriers. blankit extracts the renewal letter, experience pages, and rate calculations into a structured document. Prefer not to upload? Forward the renewal to your firm’s email-in address or drop it in a connected cloud folder — it starts the same analysis.
02
Analyze
Every benefit line — EHC, Dental, Life, AD&D, STD, LTD — goes through the same sequence. The result is a defensible counter-number, line-by-line, in carrier-comparable units.
03
Report
The output is a renewal challenge report — your firm’s logo, your firm’s colours, your firm’s tone — with executive summary, line-by-line math, and a recommendation the carrier can’t hand-wave away.
At the core are five adjustments that turn a carrier’s quoted loss ratio into a defensible one. The full sequence — eight steps for every health line — runs on every renewal, and the same logic appears as a footnote on the report PDF. When the underwriter pushes back, the answer is already on the page.
1
Pool-charge stripping
Isolate the group’s own experience; expose pooled risk.
2
IBNR completion
Load unreported claims — required, never defaulted.
3
Trend + QC offsets
Project forward; apply QPIP / CNESST for Québec.
4
Credibility blend
Weight experience against the carrier’s manual rate.
5
TLR gross-up
Hold the carrier to their own loss-ratio target.
Every step, EHC / Dental
Strip large claimants, re-add the pool charge
Individual claimants above the carrier’s pooling threshold — anywhere from $10,000 to $25,000 depending on the insurer and the size of the group — are removed from paid claims and replaced with a standard pool charge. This isolates the experience the group is actually responsible for — and exposes how much of the “premium” is really pooled risk the carrier never had to fund.
Remove the pooling charge from gross premium
The carrier’s pooling charge comes out of gross premium to reveal net premium — what was actually available to cover group claims. This is the denominator the carrier doesn’t want shown.
Complete the claims with IBNR
Incurred-but-not-reported claims are loaded onto paid claims. For EHC and Dental the IBNR figure is never silently guessed — it comes from the carrier’s own disclosure, your booklet library, or a value you enter. Miss it and the analysis hard-blocks rather than inventing one.
Compute the real net loss ratio
Incurred claims ÷ net premium. Materially higher than the carrier-quoted gross loss ratio, because the denominator dropped and the numerator rose. This is the negotiating number.
Trend to the renewal midpoint — with Québec offsets
The experience period is projected forward to the policy period being priced. When the renewal discloses its own trend assumption, blankit uses it — nothing to argue about. Québec groups then get the QPIP and CNESST disability offsets applied to the trended claims, which most national tools quietly skip.
Credibility-blend with the carrier’s manual rate
The square-root rule (Limited Fluctuation Credibility) blends the trended group experience with the carrier’s implied manual rate. Larger groups carry more weight; smaller groups borrow more from the manual.
Gross up by the carrier’s own target loss ratio
Health and dental are grossed up by the target loss ratio you set per client from the carrier’s renewal, your booklet library, or Salesforce. Holding the carrier to their own pricing target — not a guessed benchmark — is what makes the position aggressive and defensible.
Cap at the carrier proposal
blankit will never recommend paying more than the carrier asked for. The fair premium is the lower of the calculated value and the carrier proposal.
STD and LTD take a retention-load path rather than a TLR gross-up, and Life / AD&D are volume-rated pass-throughs — the sequence adapts to the line, but every figure it uses is one the carrier can defend.
Every input the engine touches follows the same order of authority. The carrier speaks first; your library speaks next; a flagged reference value speaks only when nothing else can.
01
Preferred
If the renewal states a trend assumption, an IBNR factor, a target loss ratio, or a credibility weighting, blankit uses it exactly. Arguing with a number the carrier printed themselves is the strongest position there is.
02
Fallback
Where the renewal is silent, the figure comes from the client’s own assumptions — sourced from the booklet library, Salesforce, or a value you enter per client. The number stays specific to the plan, not a market average.
03
Last resort
Only when neither is available does blankit reach for a platform reference figure — and it flags it as such on the report, so nothing calibrated in-house is ever passed off as carrier-stated.
The two that are never silently defaulted: the target loss ratio and the IBNR factor for EHC and Dental. If neither the carrier nor your library supplies them, the analysis hard-blocks and prompts you — it will not manufacture a figure to keep the pipeline moving.
Group plans for Québec employers cover less than equivalent plans in other provinces — because the provincial system already covers part of the disability stack. blankit applies these offsets automatically inside the trend step, so the rate lands at the right number, not the carrier’s default-Ontario assumption.
STD · QPIP offset
0.85×The Québec Parental Insurance Plan absorbs the parental-leave portion of short-term disability. blankit drops the trended STD claims rate by 15% for QC groups before credibility blending.
LTD · CNESST offset
0.90×The Commission des normes, de l’équité, de la santé et de la sécurité du travail covers a slice of long-term disability claims in Québec. blankit drops the trended LTD claims rate by 10% for QC groups.
In the product
Practice dashboard
Renewal pipeline, client library, claims experience, and benchmarks in one surface.
Renewal pipeline
Every renewal in flight, urgency-sorted — proposed, fair, and negotiated increases side by side.
Fair Renewal one-pager
The carrier-facing summary: incurred claims, net premium, and the fair renewal position, stated line by line.
Claims experience report
A branded, interactive report that weighs multiple years — loss ratios, claim drivers, and cost-containment findings.
Employee benefits chatbot
Booklet-grounded Q&A for plan members, white-labelled to the employer.
Critical illness enrolment
Plan members buy supplemental CI coverage in minutes, with carrier-bound rates.
Once a tenant is provisioned, the engineer who built blankit can’t open it the way a senior advisor at your firm can. The day-to-day product is firmId-scoped at the database layer: cross-firm reads aren’t a permission to grant, they aren’t a code path.
The exception is support. When a problem inside your data needs an engineer, the platform admin can start a read-only impersonation session that lasts thirty minutes. The session is two things at once: gated against writes at the edge middleware, and rewritten at the data layer.
Stays visible
Replaced or redacted
Client-XXXXPseudonyms are deterministic — the same client gets the same code across pages, sessions, and refreshes. That way a support conversation can reference a specific case without exposing identity. Every session start and end is recorded in the audit log under the operator’s identity. See exactly how on the Trust & security page.
Book a demo and we’ll run your most recent carrier renewal through the engine on screen. You leave with the counter-number and a firm-branded challenge PDF.